Personal Financial Planning

We offer finan­cial plan­ning ser­vices that rec­og­nize the dif­fer­ing needs, objec­tives and resources of our clients. At the end of the day, you want to know that you and your fam­ily can be finan­cially secure and independent.

Our finan­cial plan­ning method con­sists of four steps:

• Fact Find­ing: We col­lect infor­ma­tion from you to under­stand your objec­tives and to review your resources and finan­cial arrangements.

• Finan­cial Plan Devel­op­ment: Depend­ing on the needs of each client, a Tar­get Plan or a Com­pre­hen­sive Plan may be selected.

• A Tar­get Plan addresses a very spe­cific issue (retire­ment, busi­ness or estate planning).
• A Com­pre­hen­sive Plan addresses the fol­low­ing issues simultaneously:

• Finan­cial Statement
• Cash Flow and Net Worth
• Risk Man­age­ment
• Income Tax Planning
• Busi­ness Planning
• Col­lege Funding
• Retire­ment Planning
• Invest­ment Planning
• Estate Plan­ning

• Imple­men­ta­tion: We pro­vide you with a report of your options and a list of the steps nec­es­sary to imple­ment the plan. We build your port­fo­lio and man­age your invest­ments, using our time-tested mon­i­tor­ing process. We help you imple­ment ele­ments of the plan by meet­ing with you and your accoun­tant, attor­ney or other advisor.

• Review:  In addi­tion to the peri­odic review we do of your port­fo­lio, we will annu­ally review your plan with you personally.

We invite you to get started. Ask for your free, ini­tial con­sul­ta­tion.